FDIC Certificate #: 9328 Status: Active Federal Reserve ID: 923257 Date Established: January 01, 1908 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 5982 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Consumer Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: Front And Barnett Streets, Chatham, LA 71226 County: Jackson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Shreveport Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Ruston, LA (#40820) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $21.9 mil Equity capital: $3.6 mil Deposits held in domestic offices: $18.2 mil Return on assets (ROA): 0.81% ($0.2 mil) Quarterly return on assets: -1.74% (-$0.4 mil) Return on Equity (ROE): 4.84% ($0.2 mil) Quarterly return on equity: -10.64% (-$0.4 mil) Net income: $0.2 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 1.41% ($308.6 mil) Quarterly Pretax return on assets: -1.94% (-$424.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
8Total employees (full-time equivalent)
$21,886Total assets
$2,722Cash and due from depository institutions
$2,241Interest-bearing balances
$623Securities
$175Federal funds sold & reverse repurchase agreements
$17,205Net loans & leases
$340Loan loss allowance
$0Trading account assets
$444Bank premises and fixed assets
$57Other real estate owned
$0Goodwill and other intangibles
$21,886Life insurance assets
$660All other assets
$18,326Total liabilities and capital
$18,240Total liabilities
$15,412Total deposits
$18,240Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$86Subordinated debt
$3,560All other liabilities
$3,560Total equity capital
$3,560Total bank equity capital
$0Perpetual preferred stock
$37Common stock
$2,150Surplus
$1,373Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$334Income earned, not collected on loans
$0Earning assets
$155Long-term assets (5+ years)
$20,244Average Assets, year-to-date
$3,514Average Assets, quarterly
$21,089Volatile liabilities
$22,042Insider loans
$14,535FHLB advances
$22,140Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,560Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$626Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,359Total interest income
$146Total interest expense
$1,213Net interest income
$40Provision for loan and lease losses
$94Total noninterest income
$0Fiduciary activities
$86Service charges on deposit accounts
$0Trading account gains & fees
$8Additional noninterest income
$970Total noninterest expense
$489Salaries and employee benefits
$128Premises and equipment expense
$353Additional noninterest expense
$297Pre-tax net operating income
$0Securities gains (losses)
$126Applicable income taxes
$171Income before extraordinary items
$0Extraordinary gains - net
$171Net income attributable to bank
$0Net charge-offs
$171Cash dividends
$2Sale, conversion, retirement of capital stock, net
$24Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.00%Yield on earning assets
0.75%Cost of funding earning assets
6.25%Net interest margin
0.48%Noninterest income to earning assets
5.00%Noninterest expense to earning assets
0.81%Net operating income to assets
0.81%Return on assets (ROA)
1.41%Pretax return on assets
4.84%Return on equity (ROE)
4.16%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
2000.00%Credit loss provision to net charge-offs
168.50%Efficiency ratio
74,216Assets per employee
2.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
14.04%Loss allowance to loans
1.94%Loss allowance to noncurrent loans
101.80%Noncurrent assets plus other real estate owned to assets
1.79%Noncurrent loans to loans
1.90%Net loans and leases to deposits
94.33%Net loans and leases to core deposits
101.19%Equity capital to assets
16.27%Core capital (leverage) ratio
16.08%Tier 1 risk-based capital ratio
24.49%Total risk-based capital ratio
Memoranda
$26Average assets
$21,089Average earning assets
$3,535Average equity
$19,419Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5982
Peoples Bank
Front And Barnett Streets, Chatham, LA 71226
January 01, 1908
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Peoples Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: